Debt Relief Orders (DRO) - Information & help thread

sarbaz2007

Do you need to show your bills and reciept for proof of yor monthly outgoings?

scarlet55

hi sarbaz...no you dont have to show your bills or any receipts..just put down what your monthly outgoings are (not including any debt payments) and as long as you have less than £50 surplus you will be fine...

sarbaz2007

Statement of affairs
Monthly Income

Income Amount
Net Monthly Salary £ 376.00 (I recieve cash in hand) Is employer proof of earnings letter enough as i have no payslips?
Partner's Monthly Salary £ 0.00
Benefits £ 568.00 (goes into my partners account!)
TOTAL MONTHLY INCOME £ 944.00

Essential Monthly Outgoings

Outgoings Amount Mortgage £ 0.00
Rent £ 5.25
Council Tax £ 2.00
Electricity £ 40.00
Gas £ 40.00
Heating Oil £ 0.00
Water Rates £ 5.00
Telephone £ 30.00
Mobile Phone £ 35.00
TV Licence £ 11.80
Satellite TV £ 0.00
Internet £ 13.00
Buildings Insurance £ 0.00
Contents Insurance £ 0.00
Life Insurance £ 0.00
Groceries £ 420.00
Clothing £ 120.00
Petrol £ 50.00
Car Tax £ 15.00
Car Insurance £ 86.81
Car MOT £ 5.00
Car Maintenance £ 20.00
Car Parking £ 10.00
Other Travel £ 0.00
Childminder/Nursery £ 0.00
Medical/Dental Expenses £ 0.00
Pets Insurance/Vets Bills £ 0.00
Birthdays/Christmas £ 10.00
Holidays £ 0.00
TOTAL MONTHLY OUTGOINGS £ 918.86 NET MONTHLY SURPLUS £ 25.14

Monthly Debts

Overdraft £ 3,000.00
Cheque gurantee £ 3,500.00
Capital 1 £ 610.00
Aqua £ 845.00
Vanquis £ 980.00
Littlewoods £ 140.00
Marshall ward £460.00
Very £ 307.00
Additions £ 335.00
Next £ 750.00
T-Mobile £ 250.00
TOTAL DEBT £ 11,177.00

Assets

Asset Value Cash £ 0.00
House Equity £ 0.00
Shares/Bonds £ 0.00
Car(s) £ 2,200.00 (Owner of the car is my dad(Proof from finance company enough?) car registered in my name.)
TOTAL ASSETS £ 2,200.00

scarlet55

how many in household? i dont think you would be allowed 120 for clothes but your water rates should be higher than 5 surely...try juggling it about a bit. i think you could put down more for petrol. employers proof of income should be ok. and the car should be ok if its in your dads name with the finance company.

Orville

sarbaz2007 wrote: »

Statement of affairs
Monthly Income

Income Amount
Net Monthly Salary £ 376.00 (I recieve cash in hand) Is employer proof of earnings letter enough as i have no payslips?
Partner's Monthly Salary £ 0.00
Benefits £ 568.00 (goes into my partners account!)
TOTAL MONTHLY INCOME £ 944.00

Essential Monthly Outgoings

Outgoings Amount Mortgage £ 0.00
Rent £ 5.25
Council Tax £ 2.00
Electricity £ 40.00
Gas £ 40.00
Heating Oil £ 0.00
Water Rates £ 5.00
Telephone £ 30.00
Mobile Phone £ 35.00
TV Licence £ 11.80
Satellite TV £ 0.00
Internet £ 13.00
Buildings Insurance £ 0.00
Contents Insurance £ 0.00
Life Insurance £ 0.00
Groceries £ 420.00
Clothing £ 120.00
Petrol £ 50.00
Car Tax £ 15.00
Car Insurance £ 86.81
Car MOT £ 5.00
Car Maintenance £ 20.00
Car Parking £ 10.00
Other Travel £ 0.00
Childminder/Nursery £ 0.00
Medical/Dental Expenses £ 0.00
Pets Insurance/Vets Bills £ 0.00
Birthdays/Christmas £ 10.00
Holidays £ 0.00
TOTAL MONTHLY OUTGOINGS £ 918.86 NET MONTHLY SURPLUS £ 25.14

Monthly Debts

Overdraft £ 3,000.00
Cheque gurantee £ 3,500.00
Capital 1 £ 610.00
Aqua £ 845.00
Vanquis £ 980.00
Littlewoods £ 140.00
Marshall ward £460.00
Very £ 307.00
Additions £ 335.00
Next £ 750.00
T-Mobile £ 250.00
TOTAL DEBT £ 11,177.00

Assets

Asset Value Cash £ 0.00
House Equity £ 0.00
Shares/Bonds £ 0.00
Car(s) £ 2,200.00 (Owner of the car is my dad(Proof from finance company enough?) car registered in my name.)
TOTAL ASSETS £ 2,200.00

Groceries seems way too high to me if it's just two of you. Clothing too...

sarbaz2007

Orville wrote: »

Groceries seems way too high to me if it's just two of you. Clothing too...

cars finance has finished but was all in dads name,ive got the last statment of account which is in his name and address. is that ok?

we are 2 adults and one baby under 1.

We do spend a lot on groceries specially with baby as his only bottle fed and obviously with all the nappies.
Whats the maximum allowed down for groceries and clothing.
anything else you thing i might juggle.

Water rates should be £20. my mistake.

broken_spirit

scarlet55 wrote: »

night b.s xxx :):)

Hi Scarlet, sorry if I've been quiet 2day :silenced: :silenced: :silenced: I've actually got no voice at all. Sam thinks it's gr8!!! I've typed the letter up u gave me ready 4 the onslaught of phonecalls. It's quite funny really as I'd only be able 2 squeak down the phone at them xxx:rotfl::rotfl::rotfl:

broken_spirit

sarbaz2007 wrote: »

cars finance has finished but was all in dads name,ive got the last statment of account which is in his name and address. is that ok?

we are 2 adults and one baby under 1.

We do spend a lot on groceries specially with baby as his only bottle fed and obviously with all the nappies.
Whats the maximum allowedt down for groceries and clothing.
anything else you thing i might juggle.

Water rates should be £20. my mistake.

Have u looked in2 whether u'd be 2 get help (vouchers) 4 the babies formula. I'm sure if u r on benefits u r entitled 2 free formula until your baby reaches 1 & then can't u get help with the babies milk allowance after the age of 1? I might be totally wrong & it may have been abolished but I know u use 2 be able 2.

sarbaz2007

broken_spirit wrote: »

Have u looked in2 whether u'd be 2 get help (vouchers) 4 the babies formula. I'm sure if u r on benefits u r entitled 2 free formula until your baby reaches 1 & then can't u get help with the babies milk allowance after the age of 1? I might be totally wrong & it may have been abolished but I know u use 2 be able 2.

Not entitled to it as i get working tax credit.

scarlet55

broken_spirit wrote: »

Hi Scarlet, sorry if I've been quiet 2day :silenced: :silenced: :silenced: I've actually got no voice at all. Sam thinks it's gr8!!! I've typed the letter up u gave me ready 4 the onslaught of phonecalls. It's quite funny really as I'd only be able 2 squeak down the phone at them xxx:rotfl::rotfl::rotfl:

hope you will be feeling a bit better soon b.s...if you r only "sqeaking" you can always pretend that "your aunty isnt in " lol:rotfl::rotfl::rotfl: